Electronic transaction method and apparatus, device, system, and medium

Abstract

The present application relates to the field of electronic payment, and discloses an electronic transaction method and apparatus, a device, a system, and a medium. The method comprises: a transaction platform receiving a first electronic coupon request message sent by a channel platform by means of a gateway, wherein the first electronic coupon request message comprises a product identifier of a transaction product, a channel product identifier of the transaction product, and a transaction quantity of the transaction product, and the transaction product comprises a physical product and / or a virtual product; on the basis of the first electronic coupon request message, generating a second electronic coupon request message and sending same to a product providing platform; and receiving a first electronic coupon result message fed back by the product providing platform, generating a second electronic coupon result message on the basis of the first electronic coupon result message, and feeding back the second electronic coupon result message to the channel platform by means of the gateway, wherein the second electronic coupon result message comprises an electronic coupon converted from the transaction product and the serial number of the electronic coupon.

Description

Electronic transaction method, device, equipment, system and medium

[0001] CROSS-REFERENCE TO RELATED APPLICATIONS

[0002] This application claims priority to Chinese patent application 202311062057.X, filed on August 22, 2023, entitled “Electronic Transaction Methods, Devices, Equipment, Systems and Media,” the entire contents of which are incorporated herein by reference. Technical Field

[0003] The present application relates to the field of electronic payment, and in particular to an electronic transaction method, apparatus, device, system and medium. Background Art

[0004] With the continuous development of e-commerce, more and more merchants have joined e-commerce platforms. Users purchase goods from merchants and make payments through e-commerce platforms. Merchants can offer both physical goods and virtual goods. Due to the different nature of physical and virtual goods, e-commerce platforms need to build two transaction systems: one for physical goods transactions and the other for virtual goods transactions. This dual transaction system makes the overall transaction architecture more complex and increases construction and operating costs.

[0005] Summary of the Invention

[0006] The embodiments of the present application provide an electronic transaction method, apparatus, device, system, and medium that can simplify the architecture supporting commodity transactions of physical goods and virtual goods.

[0007] In a first aspect, an embodiment of the present application provides an electronic transaction method, which is applied to a transaction platform, the method comprising: receiving a first electronic voucher request message sent by a channel platform through a gateway, the first electronic voucher request message including a channel identifier, a commodity identifier of a transaction commodity, a transaction type, a channel commodity identifier of a transaction commodity, and a transaction quantity of the transaction commodity, where the transaction commodity includes a physical commodity and / or a virtual commodity; generating and sending a second electronic voucher request message to a commodity providing platform based on the first electronic voucher request message, the second electronic voucher request message including a commodity provider identifier, a commodity identifier of a transaction commodity provider, a transaction type, and a transaction quantity of the transaction commodity; receiving a first electronic voucher result message fed back by the commodity providing platform, generating a second electronic voucher result message based on the first electronic voucher result message, and feeding back the second electronic voucher result message to the channel platform through the gateway, the first electronic voucher result message being generated by the commodity providing platform based on the second electronic voucher request message, the first electronic voucher result message including an electronic voucher converted from a transaction commodity and an electronic voucher serial number, the second electronic voucher result message including an electronic voucher converted from a transaction commodity, an electronic voucher serial number, a channel identifier, and a channel commodity identifier of a transaction commodity.

[0008] In a second aspect, an embodiment of the present application provides an electronic transaction method, which is applied to a commodity providing platform, the method comprising: receiving a second electronic voucher request message sent by the transaction platform, the second electronic voucher request message being obtained by the transaction platform based on a first electronic voucher request message sent by the channel platform through a gateway, the first electronic voucher request message including a channel identifier, a commodity identifier of the transaction commodity, a transaction type, a channel commodity identifier of the transaction commodity, and a transaction quantity of the transaction commodity, the transaction commodity including a physical commodity and / or a virtual commodity, the second electronic voucher request message including a commodity provider identifier, a commodity provider commodity identifier of the transaction commodity, a transaction type, and a transaction quantity of the transaction commodity; generating a first electronic voucher result message based on the second electronic voucher request message, the first electronic voucher result message including an electronic voucher converted from the transaction commodity and an electronic voucher serial number; feeding back the first electronic voucher result message to the transaction platform, so that the transaction platform generates a second electronic voucher result message based on the first electronic voucher result message and feeds back the second electronic voucher result message to the channel platform through a gateway, the second electronic voucher result message including an electronic voucher converted from the transaction commodity, an electronic voucher serial number, a channel identifier, and a channel commodity identifier of the transaction commodity.

[0009] In a third aspect, an embodiment of the present application provides an electronic transaction device, which is applied to a transaction platform, and the device includes: a first receiving module, which is used to receive a first electronic voucher request message sent by a channel platform through a gateway, the first electronic voucher request message including a channel identifier, a commodity identifier of a transaction commodity, a transaction type, a channel commodity identifier of a transaction commodity, and a transaction quantity of the transaction commodity, and the transaction commodity includes a physical commodity and / or a virtual commodity; a first processing module, which is used to generate a second electronic voucher request message based on the first electronic voucher request message, the second electronic voucher request message including a commodity provider identifier, a commodity provider commodity identifier of a transaction commodity, a transaction type, and a transaction quantity of the transaction commodity; a first The sending module is used to send a second electronic voucher request message to the commodity providing platform; the first receiving module is also used to receive a first electronic voucher result message fed back by the commodity providing platform, the first electronic voucher result message is generated by the commodity providing platform according to the second electronic voucher request message, and the first electronic voucher result message includes the electronic voucher converted from the transaction commodity and the electronic voucher serial number; the first processing module is also used to generate a second electronic voucher result message according to the first electronic voucher result message, the second electronic voucher result message includes the electronic voucher converted from the transaction commodity, the electronic voucher serial number, the channel identifier and the channel commodity identifier of the transaction commodity; the first sending module is also used to feed back the second electronic voucher result message to the channel platform through the gateway.

[0010] In a fourth aspect, an embodiment of the present application provides an electronic transaction device, which is applied to a commodity providing platform, and the device includes: a second receiving module, which is used to receive a second electronic voucher request message sent by the transaction platform, the second electronic voucher request message is obtained by the transaction platform according to the first electronic voucher request message sent by the channel platform through the gateway, the first electronic voucher request message includes the channel identifier, the commodity identifier of the transaction commodity, the transaction type, the channel commodity identifier of the transaction commodity and the transaction quantity of the transaction commodity, the transaction commodity includes the physical commodity and / or virtual commodity, the second electronic voucher request message includes the commodity provider identifier, the commodity identifier of the transaction commodity provider, the transaction type and the transaction quantity of the transaction commodity; a second processing module, which is used to generate a first electronic voucher result message according to the second electronic voucher request message, the first electronic voucher result message includes the electronic voucher converted from the transaction commodity and the electronic voucher serial number; a second sending module, which is used to feedback the first electronic voucher result message to the transaction platform, so that the transaction platform generates a second electronic voucher result message according to the first electronic voucher result message and feeds back the second electronic voucher result message to the channel platform through the gateway, the second electronic voucher result message includes the electronic voucher converted from the transaction commodity, the electronic voucher serial number, the channel identifier and the channel commodity identifier of the transaction commodity.

[0011] In a fifth aspect, an embodiment of the present application provides an electronic device comprising: a processor and a memory storing computer program instructions; when the processor executes the computer program instructions, the electronic transaction method of the first aspect or the electronic transaction method of the second aspect is implemented.

[0012] In a sixth aspect, an embodiment of the present application provides an electronic transaction system, comprising: a transaction platform for executing the electronic transaction method of the first aspect; and a commodity providing platform for executing the electronic transaction method of the second aspect.

[0013] In a seventh aspect, an embodiment of the present application provides a computer-readable storage medium having computer program instructions stored thereon. When the computer program instructions are executed by a processor, the electronic transaction method of the first aspect or the electronic transaction method of the second aspect is implemented.

[0014] The embodiments of the present application provide an electronic transaction method, apparatus, device, system, and medium, wherein a transaction platform receives a first electronic voucher request message sent by a channel platform through a gateway, and generates a second electronic voucher request message to be sent to a commodity providing platform based on the information in the first electronic voucher request message, so that the commodity providing platform can uniformly convert the transaction commodities into electronic vouchers based on the information related to the transaction commodities in the second electronic voucher request message, and feedback a first electronic voucher result message including the electronic vouchers converted from the transaction commodities to the transaction platform. The transaction platform can generate a second electronic voucher result message including the electronic vouchers converted from the transaction commodities based on the first electronic voucher result message, and send it to the channel platform. In this electronic transaction process, regardless of whether the transaction commodities are physical commodities or virtual commodities, they are uniformly converted into electronic vouchers, and the information flow of the transaction commodities is realized through the form of electronic vouchers. There is no need to establish separate transaction systems for physical commodities and virtual commodities. Only a transaction system for electronic vouchers needs to be established to realize the transaction of physical commodities and virtual commodities, which simplifies the architecture of commodity transactions and reduces the construction cost and operation cost of the transaction system. BRIEF DESCRIPTION OF THE DRAWINGS

[0015] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the following is a brief introduction to the drawings required for use in the embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without any creative work.

[0016] FIG1 is a schematic diagram of an exemplary architecture of a system supporting an electronic transaction method provided in an embodiment of the present application;

[0017] FIG2 is a flow chart of an electronic transaction method provided by an embodiment of the first aspect of the present application;

[0018] FIG3 is a flow chart of an electronic transaction method provided by another embodiment of the first aspect of the present application;

[0019] FIG4 is a flow chart of an example of a direct sales model provided by an embodiment of the present application;

[0020] FIG5 is a flow chart of an example of a consignment sales model provided in an embodiment of the present application;

[0021] FIG6 is a flow chart of an electronic transaction method provided by another embodiment of the first aspect of the present application;

[0022] FIG7 is a schematic diagram of an example of a two-layer data architecture provided in an embodiment of the present application;

[0023] FIG8 is a flow chart of an electronic transaction method provided by an embodiment of the second aspect of the present application;

[0024] FIG9 is a flow chart of an electronic transaction method provided by another embodiment of the second aspect of the present application;

[0025] FIG10 is a flowchart of an electronic transaction method provided by another embodiment of the second aspect of the present application;

[0026] FIG11 is a flowchart of an example of an electronic voucher issuance process and an electronic voucher cancellation process provided in an embodiment of the present application;

[0027] FIG12 is a flowchart of an example of an electronic voucher return process provided in an embodiment of the present application;

[0028] FIG13 is a schematic structural diagram of an example of an electronic transaction device provided in an embodiment of the third aspect of the present application;

[0029] FIG14 is a schematic diagram of the structure of an electronic transaction device provided in an embodiment of the fourth aspect of the present application;

[0030] FIG15 is a schematic structural diagram of an electronic device provided in an embodiment of the fifth aspect of the present application. DETAILED DESCRIPTION

[0031] The features and exemplary embodiments of various aspects of the present application will be described in detail below. In order to make the purpose, technical solutions and advantages of the present application clearer, the present application will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain the present application, rather than to limit the present application. For those skilled in the art, the present application can be implemented without the need for some of these specific details. The following description of the embodiments is merely to provide a better understanding of the present application by illustrating examples of the present application. It should be noted that the acquisition, storage, use, processing, etc. of information and data in the embodiments of the present application are authorized by the user or relevant agencies and comply with the relevant provisions of national laws and regulations.

[0032] With the continuous development of e-commerce, more and more merchants have joined e-commerce platforms. Users purchase goods from merchants and make payments through e-commerce platforms. Merchants can offer both physical goods and virtual goods. Due to the different nature of physical and virtual goods, e-commerce platforms need to build two transaction systems: one for physical goods transactions and the other for virtual goods such as virtual tickets. This dual transaction system makes the overall transaction architecture more complex and increases construction and operating costs.

[0033] The present application provides an electronic transaction method, apparatus, equipment, system and medium, which can convert transaction commodities into electronic vouchers for information circulation through the interaction between the channel platform, the transaction platform and the commodity providing platform. In this way, whether the transaction commodity is a physical commodity or a virtual commodity, its transaction can be carried out in the form of electronic vouchers. There is no need to establish a separate transaction system for physical commodities and virtual commodities. The transaction of physical commodities and virtual commodities can be realized through the same transaction system, which simplifies the commodity transaction architecture and reduces the construction cost and operation cost of the transaction system.

[0034] For ease of explanation, the architecture of the system supporting the electronic transaction method in the embodiment of the present application is first described here. Figure 1 is a schematic diagram of the architecture of an example of a system supporting the electronic transaction method provided in the embodiment of the present application. As shown in Figure 1, the system supporting the electronic transaction method may include a channel platform 11, a gateway 12, a transaction platform 13, and a product provision platform 14.

[0035] The channel party platform 11 belongs to the channel party, which may include merchants selling trading commodities. The trading platform may output the information of trading commodities to the channel party platform in advance through the application programming interface (API) or the H5 page. Users can place orders and make payments through the channel party platform 11. Furthermore, the user's user terminal may have a channel party application or a channel party applet. The user terminal may interact with the channel party platform 11 according to the user's input operation on the channel party application or the channel party applet to realize the user's order and payment. The channel party platform 11 may include one or more servers and other devices. The number and type of devices in the channel party platform 11 are not limited here.

[0036] The channel-side platform 11 can interact with the transaction platform 13 through the gateway 12. The gateway 12 may include a general gateway 121 and a content gateway 122. In some cases, the channel-side platform 11 can communicate with the transaction platform 13 through the general gateway 121 and the content gateway 122. In some cases, the channel-side platform 11 can communicate with the transaction platform 13 through the content gateway 122. The general gateway 121 and the content gateway 122 can verify transmitted messages and other information to enhance transaction security.

[0037] The trading platform 13 belongs to the content transfer party, that is, the trading platform 13 is built by the content transfer party, and the content transfer party can supervise the transaction process. E-commerce operators can enter the trading platform 13 and cooperate with channel parties to trade goods on the trading platform 13. The trading platform 13 can accommodate one or more e-commerce operators. The channel platform 11 can use the trading platform 13 to conduct services such as requesting the conversion of goods into electronic vouchers, verifying electronic vouchers, and returning electronic vouchers with the product provision platform 14. The trading platform 14 can connect the channel platform 11 and the product provision platform 14. The trading platform 13 may include one or more servers and other devices, and the number and type of devices in the trading platform 13 are not limited.

[0038] The product provision platform 14 belongs to the product provider. The product provider can provide products to the channel provider and sell the products to users through the channel provider. In the embodiment of the present application, the product provision platform 14 can uniformly convert physical and virtual products into electronic vouchers and feedback them to the transaction platform 13. It can also complete the verification and return of electronic vouchers converted from products. The product provision platform 14 may include one or more servers and other devices, and the number and type of devices in the product provision platform 14 are not limited.

[0039] The electronic transaction method, device, equipment, system and medium provided in this application are described below respectively.

[0040] In a first aspect, the present application provides an electronic transaction method, which is applied to a trading platform, i.e., the electronic transaction method can be executed by the trading platform. FIG2 is a flowchart of the electronic transaction method provided by an embodiment of the first aspect of the present application. As shown in FIG2, the electronic transaction method may include steps S201 to S203.

[0041] In step S201, a first electronic voucher request message sent by a channel platform through a gateway is received.

[0042] The trading platform can pre-existingly output product information to the channel platform via an API or HTML5 page, allowing the channel platform to display the products to users via a channel application or mini-program running on the user terminal. These products can include both physical and virtual goods, with virtual goods including virtual vouchers. The user terminal receives user input and provides the channel platform with product-related information related to the user's ordered product, i.e., the transaction item. The channel platform referred to above is the channel platform. Based on its own channel information and the acquired product-related information related to the transaction item, the channel platform generates a first e-voucher request message and sends it to the trading platform via the gateway.

[0043] The first e-voucher request message is used to request an e-voucher corresponding to a transaction item. The first e-voucher request message may include, but is not limited to, a channel identifier, a product identifier for the transaction item, a transaction type, a channel product identifier for the transaction item, and the transaction quantity for the transaction item. The transaction item here includes the item ordered by the user and may include physical and / or virtual goods. The channel identifier can be used to identify the channel platform or the channel entity. The product identifier for the transaction item is used to identify the transaction item and can be implemented as a content ID. The transaction type indicates the type of transaction. The transaction type in the first e-voucher request message can specifically be a voucher issuance type, meaning a request for an e-voucher corresponding to the transaction item. The channel product identifier for the transaction item includes the identifier of the transaction item within the channel entity. The channel product identifiers of the same transaction item may be different for different channel entities, and the product identifier and channel product identifier are in a corresponding relationship. The transaction quantity for the transaction item indicates the number of transaction items in the user's order. The transaction quantity for the transaction item can specifically include the number of transaction items corresponding to each channel product identifier or the number of transaction items corresponding to each product identifier. The transaction quantity for the transaction item in the first e-voucher request message will not exceed the inventory quantity of the transaction item in the channel database of the channel platform. In some examples, the first e-voucher request message may also include, but is not limited to, one or more of the following information: transaction time, the account number receiving the e-voucher, and a channel user ID. The account number receiving the e-voucher may include, but is not limited to, a mobile phone number, a messaging app account, etc. The channel user ID includes the user's user ID on the channel platform.

[0044] In some examples, the trading platform may pre-promptly respond to the channel platform's key request by providing a private key to the channel platform. The channel platform may use this private key to sign the first e-voucher request message and then send it to the universal gateway. The trading platform may pre-promptly send the public key corresponding to the private key to the universal gateway. The universal gateway may use this public key to verify the received first e-voucher request message. Once the verification is successful, the universal gateway sends the first e-voucher request message to the content gateway. The content gateway may extract the channel identifier from the first e-voucher request message and use it to verify whether the channel platform has permission to access the trading platform. If the verification is successful, the content gateway sends the first e-voucher request message to the trading platform.

[0045] In step S202, a second electronic voucher request message is generated and sent to the commodity providing platform according to the first electronic voucher request message.

[0046] The second electronic voucher request message is used to request an electronic voucher corresponding to the transaction item from the commodity provider platform. The second electronic voucher request message may include, but is not limited to, the commodity provider identifier, the commodity provider identifier of the transaction item, the transaction type, and the transaction quantity of the transaction item. The commodity provider identifier is used to identify the commodity provider platform or the commodity provider to which the commodity provider platform belongs. The commodity provider identifier of the transaction item includes the identifier of the transaction item with the commodity provider. The identifier of the same transaction item with the commodity provider and the identifier with the channel provider are different. The commodity identifier of the transaction item and the commodity provider identifier have a corresponding relationship. The commodity identifier of the transaction item can also establish a corresponding relationship between the channel commodity identifier and the commodity provider identifier of the transaction item. Since a commodity provider's products can be provided to multiple channel providers, the commodity provider commodity identifier of a single transaction item can have a corresponding relationship with multiple channel commodity identifiers. The transaction platform can determine the commodity provider commodity identifier of the transaction item in the second electronic voucher request message based on the corresponding relationship between the commodity identifier and the commodity provider commodity identifier and the commodity identifier of the transaction item in the first electronic voucher request message. The transaction type and transaction quantity of the transaction goods in the second e-voucher request message are the same as the transaction type and transaction quantity of the transaction goods in the first e-voucher request message. In some examples, the second e-voucher request message may further include, but is not limited to, information such as an account number for receiving the e-voucher, and the account number for receiving the e-voucher in the second e-voucher request message is the same as the account number for receiving the e-voucher in the first e-voucher request message.

[0047] In step S203, a first electronic voucher result message fed back by the commodity providing platform is received, a second electronic voucher result message is generated according to the first electronic voucher result message, and the second electronic voucher result message is fed back to the channel platform through the gateway.

[0048] The first electronic voucher result message is generated by the product provider platform based on the second electronic voucher request message. The product provider platform generates the first electronic voucher result message based on the second electronic voucher request message. The first electronic voucher result message may include, but is not limited to, the electronic voucher converted from the transaction product and the electronic voucher serial number. The electronic voucher is converted from the transaction product and can represent the transaction product. The electronic voucher can be implemented as a voucher code or a combination of a voucher code and a voucher password, without limitation. The electronic voucher serial number corresponds one-to-one with the electronic voucher, and the electronic voucher and the electronic voucher serial number are related to the product provider identifier and the product identifier of the product provider. The electronic voucher serial number may include an amount field, and the value of the amount field in the electronic voucher serial number corresponding to the electronic voucher may be the unit price of the transaction product corresponding to the electronic voucher. In some examples, the first electronic voucher result message may also include, but is not limited to, one or more of the following information: the electronic voucher type and the product identifier of the product provider. The electronic voucher type indicates the type of electronic voucher. For example, the electronic voucher type may indicate whether the electronic voucher is in the form of a voucher code or a voucher code plus a voucher password. In some examples, the transaction platform may encrypt and store the electronic voucher in the first electronic voucher result message locally.

[0049] The product provider platform may generate a quantity of electronic vouchers for the transaction product equal to the transaction quantity based on the product provider product identifier and the transaction quantity of the transaction product in the second electronic voucher request message. The product provider platform may also generate electronic voucher serial numbers corresponding to the electronic vouchers. For example, if a user purchases 5 items of product A and 10 items of product B, the product provider platform will generate 5 electronic vouchers for product A and 5 electronic voucher serial numbers corresponding to these 5 electronic vouchers for product A. It will also generate 10 electronic vouchers for product B and 10 electronic voucher serial numbers corresponding to these 10 electronic vouchers for product B.

[0050] After receiving the first e-voucher result message, the trading platform generates a second e-voucher result message based on the first e-voucher result message. The second e-voucher result message may include, but is not limited to, the e-voucher converted from the transaction item, the e-voucher serial number, the channel identifier, and the channel item identifier of the transaction item. In some examples, the second e-voucher result message may also include, but is not limited to, one or more of the following information: the e-voucher type and the e-voucher status. The e-voucher status may indicate the status of the e-voucher; for example, the e-voucher status may indicate successful issuance and use.

[0051] The trading platform can first send the second electronic voucher result message to the content gateway, which then sends the second electronic voucher result message to the channel platform, allowing the channel platform to obtain the electronic voucher converted into the transaction product. When the trading platform receives the second electronic voucher result message, it can be considered that the electronic voucher was successfully issued and the transaction of the transaction product was completed.

[0052] In an embodiment of the present application, the transaction platform receives a first electronic voucher request message sent by the channel platform through the gateway, and generates a second electronic voucher request message to be sent to the commodity providing platform based on the information in the first electronic voucher request message, so that the commodity providing platform can uniformly convert the transaction commodities into electronic vouchers through the information related to the transaction commodities in the second electronic voucher request message, and feedback a first electronic voucher result message including the electronic vouchers converted from the transaction commodities to the transaction platform. The transaction platform can generate a second electronic voucher result message including the electronic vouchers converted from the transaction commodities to be sent to the channel platform based on the first electronic voucher result message. In this electronic transaction process, regardless of whether the transaction commodities are physical commodities or virtual commodities, they are uniformly converted into electronic vouchers. The information flow of transaction commodities is realized through the form of electronic vouchers. There is no need to establish separate transaction systems for physical commodities and virtual commodities. Only a transaction system for electronic vouchers needs to be established to realize the transaction of physical commodities and virtual commodities, which simplifies the architecture of commodity transactions and reduces the construction cost and operation cost of the transaction system.

[0053] In some embodiments, after the trading platform receives a first e-voucher request message sent by the channel platform via a gateway, the trading platform may also, based on the first e-voucher request message, lock an amount equal to the transaction amount indicated by the first e-voucher request message from the funds pre-deposited in the first escrow account of the channel platform. The trading platform may store a correspondence between channel product identifiers and channel product selling prices. The trading platform may determine the channel product selling price of the transaction product based on the channel product identifier in the first e-voucher request message, and calculate the transaction amount of the transaction indicated by the first e-voucher request message using the channel product selling price and the transaction quantity of the transaction product in the first e-voucher request message. This transaction amount may be considered the total order amount for the transaction. The first escrow account may be overseen by an operator or content mediator. The channel platform may pre-deposit funds in the first escrow account. If the trading platform receives the first e-voucher request message, and the user has already placed an order for the transaction product on the channel platform, the channel platform may freeze the amount of the transaction indicated by the first e-voucher request message from the funds pre-deposited in the first escrow account, so that the corresponding amount can be deducted when an e-voucher is subsequently obtained. The transaction amount of the transaction indicated by the first electronic voucher request message is generally less than or equal to the amount of funds pre-deposited by the channel platform in the first regulatory account. If the transaction amount of the transaction indicated by the first electronic voucher request message is greater than the amount of funds pre-deposited by the channel platform in the first regulatory account, the transaction platform may send a prompt message to the channel platform, prompting the channel platform to deposit the corresponding amount into the first regulatory account.

[0054] In some examples, the trading platform may be configured with two parameters: a user payment amount and a channel deduction amount. If a user places an order on the trading platform through a channel platform, i.e., a direct sales transaction, the user payment amount is assigned to the transaction amount indicated by the first e-voucher request message, and the channel deduction amount is assigned to 0. If a user places an order on the channel platform, i.e., a consignment sales transaction, the user payment amount is assigned to 0, and the user payment amount is assigned to the transaction amount indicated by the first e-voucher request message.

[0055] After the trading platform receives the e-voucher result message from the product provider, it may deduct the locked amount from the first escrow account for the transaction indicated in the first e-voucher request message. Upon receiving the e-voucher result message from the product provider, the trading platform may determine that the product provider has issued the e-voucher and may deduct the locked amount from the first escrow account.

[0056] In some embodiments, before the trading platform receives the first electronic voucher result message from the product provider, if the trading platform receives the first electronic voucher request message, the trading platform may generate a product order based on the first electronic voucher request message. The transaction indicated by the first electronic voucher request message is consistent with the transaction indicated by the product order. The product order may record the process from a user placing an order to paying for the product being traded, and is primarily associated with the ordering process on the channel platform. After the trading platform receives the first electronic voucher result message from the product provider, the trading platform may also update the status of the product order corresponding to the first electronic voucher request message. The updated product order status indicates that the electronic voucher was successfully issued.

[0057] In some embodiments, the commodity providing platform has an electronic voucher order for the electronic voucher converted from the transaction commodity. Specifically, the commodity providing platform may generate an electronic voucher order when generating an electronic voucher and an electronic voucher serial number corresponding to the transaction commodity, and record the status of the electronic voucher order. The status of the electronic voucher order may represent the status of the electronic voucher. The electronic voucher may be a non-direct charge electronic voucher or a direct charge electronic voucher. When the commodity providing platform generates a first electronic voucher result message and the electronic voucher converted from the transaction commodity is a non-direct charge electronic voucher, the status of the updated electronic voucher order represents that the electronic voucher is successfully issued. On the one hand, the transaction amount locked in the first regulatory account is deducted. On the other hand, the channel platform may deduct the inventory of the transaction commodity in the channel database accordingly. The issuance of direct-charge electronic vouchers can be regarded as cancellation. Correspondingly, when the product providing platform generates the first electronic voucher result message and the electronic voucher converted from the transaction product is a direct-charge electronic voucher, the status of the updated electronic voucher order indicates that the electronic voucher cancellation is successful, and the cancellation time can be recorded. The amount corresponding to this electronic voucher cancellation is consistent with the amount in the electronic voucher order, and the current day can be determined as the settlement date. On the one hand, the transaction amount locked in the first regulatory account will be deducted, and on the other hand, the channel platform can deduct the inventory of the transaction product in the channel database accordingly.

[0058] The status of product orders and e-voucher orders can be used to manage the issuance of e-vouchers during the order life cycle, thereby improving the order operation efficiency of channels and product providers.

[0059] In some embodiments, after the product providing platform issues the electronic voucher via the first electronic voucher result message, it can also cancel the issued electronic voucher. The product providing platform can cancel the electronic voucher converted from the transaction product upon receiving the user's receipt confirmation information or upon reaching a specified time period after the electronic voucher is issued. Figure 3 is a flow chart of the electronic transaction method provided by another embodiment of the first aspect of the present application. The difference between Figure 3 and Figure 2 is that the electronic transaction method shown in Figure 3 can also include steps S204 and S205.

[0060] In step S204, when the commodity providing platform cancels the electronic voucher converted from the transaction commodity, a first electronic voucher cancellation message sent by the commodity providing platform is received.

[0061] The commodity providing platform cancels the electronic voucher converted from the transaction commodity and deems that the commodity corresponding to the electronic voucher has arrived at the user. The commodity providing platform can notify the transaction platform of the cancellation of the electronic voucher through a first electronic voucher cancellation message.

[0062] The first electronic voucher cancellation message indicates that the electronic voucher has been cancelled. The first electronic voucher cancellation message may include, but is not limited to, the product provider identifier, the transaction type, the product provider identifier of the traded product, and the electronic voucher converted from the traded product. The transaction type in the first electronic voucher cancellation message may be the cancellation type. The product provider identifier, the product provider identifier of the traded product, and the electronic voucher converted from the traded product can be described in the relevant descriptions of the above embodiments and will not be repeated here. In some examples, the first electronic voucher cancellation message may also include, but is not limited to, the product provider's transaction serial number.

[0063] In some examples, the commodity providing platform may interact with the trading platform via a first electronic voucher redemption message to indicate the redemption of the electronic voucher converted from the traded commodity in the current transaction. In other examples, the commodity providing platform may interact with the trading platform via multiple first electronic voucher redemption messages on a transaction-by-transaction basis to indicate the redemption of the electronic voucher converted from the traded commodity in the current transaction. One first electronic voucher redemption message may correspond to one electronic voucher, or one first electronic voucher redemption message may correspond to one traded commodity.

[0064] In step S205, a second electronic voucher cancellation message is generated based on the first electronic voucher cancellation message and sent to the channel platform through the gateway.

[0065] The second e-voucher cancellation message is used to indicate that the e-voucher has been cancelled. The second e-voucher cancellation message may include, but is not limited to, a channel identifier, a product identifier of the transaction item, a transaction type, an e-voucher serial number corresponding to the transaction item, and a channel product identifier of the transaction item. The transaction type in the second e-voucher cancellation message may be a cancellation type. The trading platform may obtain the information in the second e-voucher cancellation message based on the information in the first e-voucher cancellation message, the correspondence between the product identifier stored in the trading platform and the product identifier of the product provider, the product identifier and the channel product identifier, and information obtained from the operator. In some examples, the trading platform may encrypt and store the e-voucher in the first e-voucher cancellation message locally.

[0066] The transaction platform may send the second electronic voucher verification message to the content gateway in the gateway, and the content gateway may then send the second electronic voucher verification message to the channel platform.

[0067] The trading platform cancels the electronic vouchers converted from the trading commodities through the first electronic voucher cancellation message between the trading platform and the commodity providing platform and the second electronic voucher cancellation message between the trading platform and the channel platform, so as to facilitate liquidation according to the cancellation status of the electronic vouchers.

[0068] The trading platform supports multiple clearing configurations, including post-verification, immediate settlement upon issuance, and immediate verification upon issuance. Post-verification settlement involves clearing transactions after the electronic voucher has been verified. Immediate issuance settlement involves clearing transactions after the electronic voucher has been successfully issued. Immediate issuance settlement allows transactions to be cleared even after the electronic voucher has been successfully issued, without verification by the product provider.

[0069] In some embodiments, when the trading platform receives the first electronic voucher cancellation message, it can update the status of the product order corresponding to the first electronic voucher cancellation message, and the updated product order status indicates that the electronic voucher is successfully issued.

[0070] In some embodiments, when the commodity providing platform cancels the electronic voucher converted from the transaction commodity, the status of the updated electronic voucher order indicates that the electronic voucher is successfully cancelled. The cancellation time can be recorded and the current day can be determined as the settlement date.

[0071] The status of product orders and e-voucher orders can be used to manage the e-voucher redemption during the order life cycle, thereby improving the order operation efficiency of the channel and product providers.

[0072] In the above embodiments, the mode in which users purchase traded goods may include a direct sales mode or a consignment sales mode. The direct sales mode is a mode in which users place orders on a trading platform through a channel platform, that is, the trading platform can receive the user's order request through the channel platform. For example, Figure 4 is a flowchart of an example of a direct sales mode provided in an embodiment of the present application. The direct sales mode may involve a user terminal, a channel platform, a trading platform, and a payment platform. The user terminal may represent a user. As shown in Figure 4, the direct sales mode may include steps a1 to a9.

[0073] In step a1, the user terminal sends an order request to the channel platform.

[0074] In step a2, the channel platform sends an order request to the trading platform.

[0075] In step a3, the trading platform sends the order result to the channel platform.

[0076] In step a4, the channel platform sends the order result to the user terminal.

[0077] In step a5, the user terminal initiates payment to the channel platform.

[0078] In step a6, the channel platform initiates payment to the transaction platform.

[0079] In step a7, the transaction platform initiates payment to the payment platform.

[0080] In step a8, the payment platform feeds back the payment result to the transaction platform.

[0081] In step a9, the transaction platform feeds back the payment result to the channel platform.

[0082] After step a9, the channel platform may send a first electronic voucher request message to the transaction platform through the gateway.

[0083] In a direct sales model, user payments are transferred to the first escrow account on T+1. In some cases, user payments can be transferred to the first escrow account through small-value agent clearing, without the need for the channel platform to deposit the user's payment into the first escrow account. The funds in the first escrow account are transferred from the user's account, and the trading platform then pays the corresponding funds in the first escrow account to the product provider according to the instructions of the payment platform.

[0084] The consignment sales model is a model in which users place orders on a channel platform. That is, the channel platform can receive the user's order request, but the transaction platform has not received the user's order request. For example, Figure 5 is a flowchart of an example of the consignment sales model provided in an embodiment of the present application. The consignment sales model may involve a user terminal, a channel platform, a transaction platform, and a payment platform. The user terminal may represent the user. As shown in Figure 5, the pending sales model may include steps b1 to b5.

[0085] In step b1, the user terminal sends an order request to the channel platform.

[0086] In step b2, the channel platform feeds back the order result to the user terminal.

[0087] In step b3, the user terminal initiates payment to the channel platform.

[0088] In step b4, the channel platform initiates payment to the payment platform.

[0089] In step b5, the payment platform feeds back the payment result to the channel platform.

[0090] After step b5, the channel platform may send a first electronic voucher request message to the transaction platform through the gateway.

[0091] In the agency sales model, the funds paid by users are transferred to the channel platform's account, and the payment platform pays the funds pre-deposited by the channel platform locked in the first regulatory account to the product provider, thereby realizing T+1 day settlement with the product provider.

[0092] It can be transferred to the first supervision account on T+1 day, that is, the funds in the first supervision account are transferred from the user's account, and the trading platform then pays the corresponding funds in the first supervision account to the product provider according to the instructions of the payment platform.

[0093] In some embodiments, electronic vouchers may be returned. The return of electronic vouchers converted from traded goods can be achieved through interaction between the channel platform, the transaction platform, and the product provider platform. Figure 6 is a flow chart of an electronic transaction method provided in another embodiment of the first aspect of this application. Figure 6 differs from Figure 2 in that the electronic transaction method shown in Figure 6 may also include steps S206 to S209.

[0094] In step S206, an electronic voucher return request message sent by the channel platform through the gateway is received.

[0095] The channel platform can initiate an e-voucher return request. The channel platform can send the e-voucher return request message to the content gateway within the gateway, which then sends the e-voucher return request message to the transaction platform. The e-voucher return request message includes the product order. The product order may include transaction information corresponding to the transaction, such as product information.

[0096] In some examples, when the trading platform receives an e-voucher return request sent by the channel platform through the gateway, the trading platform can also generate an e-voucher return order based on the e-voucher return request message, and the status of the e-voucher return order can represent the status of the e-voucher return process.

[0097] In step S207, an electronic voucher return request message is sent to the commodity providing platform.

[0098] The trading platform can verify, based on the product order in the e-voucher return request message, whether the corresponding transaction product supports e-voucher returns. If the transaction product does not support e-voucher returns, the e-voucher return request corresponding to the e-voucher return request message is rejected. A second supervisory account can also be established, which can be supervised by the operator or content mediator. The second supervisory account can be the same account as the first supervisory account or a different account, and this is not a limitation here. The product provider platform can pre-deposit a refund guarantee fund in the second supervisory account and verify whether the refund guarantee fund in the second supervisory account supports e-voucher returns. If the transaction amount of the corresponding transaction product in the product order is higher than the refund guarantee fund pre-deposited by the product provider platform in the second supervisory account, that is, the refund guarantee fund in the second supervisory account does not support e-voucher returns, the e-voucher return request corresponding to the e-voucher return request message is rejected. If the transaction amount of the corresponding transaction product in the product order is lower than or equal to the refund guarantee fund pre-deposited by the product provider platform in the second supervisory account, the product provider platform can lock the transaction amount indicated by the product order in the funds pre-deposited in the second supervisory account according to the e-voucher return request message. If the verification is passed, the trading platform sends an e-voucher return request message to the commodity providing platform.

[0099] In step S208, an electronic voucher return result message fed back by the commodity providing platform is received.

[0100] The product provider platform executes the e-voucher return process based on the e-voucher return request message, generates an e-voucher return result message, and sends it to the trading platform. This e-voucher return result message may include processing result information, including a successful return, a refund pending, or a failed return. A successful return indicates a successful e-voucher return. A refund pending indicates that the e-voucher has been returned but the corresponding amount has not yet been refunded. A failed return indicates an unsuccessful e-voucher return.

[0101] If the processing result information includes a return success message, the transaction amount indicated by the locked commodity order is deducted from the second escrow account. If the processing result information includes a return failure message, the transaction amount indicated by the commodity order is unlocked from the second escrow account.

[0102] In some examples, when the trading platform receives an electronic voucher return result message from the product providing platform, the trading platform may update the status of the product order corresponding to the sub-voucher return result message. The status of the updated product order is associated with the information in the electronic voucher return result message. In the case where the processing result information includes a successful return information, the updated status of the product order indicates a successful cancellation. In the case where the processing result information includes a returned voucher and a refund is pending, the updated status of the product order indicates a canceled and a refund is pending. In the case where the processing result information includes a failed return information, the updated status of the product order indicates a successful electronic voucher issuance, and it can also be considered that the status of the product order is not updated, and the original status of the product order is maintained. It should be noted that if the processing result information includes a returned voucher and a refund is pending, if the trading platform subsequently receives information indicating a successful refund, the status of the product order may be updated again, and the updated status of the product order indicates a successful cancellation.

[0103] In some examples, when the trading platform receives an e-voucher return result message from the commodity providing platform, the trading platform may update the status of the e-voucher return order based on the processing result information in the e-voucher return result message. The status of the e-voucher return order corresponds to the processing result information. When the processing result information includes a successful return information, the updated status of the e-voucher return order indicates a successful return. When the processing result information includes information that the returned voucher is awaiting a refund, the updated status of the e-voucher return order indicates that the returned voucher is awaiting a refund. When the processing result information includes a failed return information, the updated status of the e-voucher return order indicates a failed return. It should be noted that if the processing result information includes information that the returned voucher is awaiting a refund, if the trading platform subsequently receives information indicating a successful refund, the status of the e-voucher return order may be updated again, and the updated status of the e-voucher return order indicates a successful return.

[0104] In some examples, the commodity providing platform may also update the status of the electronic voucher order of the electronic voucher converted from the transaction commodity based on the processing result information in the electronic voucher return result message fed back by the commodity providing platform. The status of the updated electronic voucher order corresponds to the processing result information. In the case where the processing result information includes a successful return information, the status of the updated electronic voucher order indicates a successful return. In the case where the processing result information includes a returned voucher and a refund is pending, the status of the updated electronic voucher order indicates a returned voucher and a refund is pending. In the case where the processing result information includes a failed return information, the status of the updated commodity order indicates a failed return. It should be noted that if the processing result information includes a returned voucher and a refund is pending, if the transaction platform subsequently receives information indicating a successful refund, the status of the electronic voucher order may be updated again, and the updated status of the electronic voucher order indicates a successful return.

[0105] The return of electronic vouchers during the order lifecycle can be managed by checking the status of the product order, the status of the electronic voucher order, and the status of the electronic voucher return order. By combining the management of electronic voucher issuance, electronic voucher cancellation, and electronic voucher return for orders in the above embodiments, the entire lifecycle of an order can be managed through the status of the product order, the status of the electronic voucher order, and the status of the electronic voucher return order, thereby improving the order operation efficiency of the channel and product provider.

[0106] In step S209, the electronic voucher return result message is fed back to the channel platform through the gateway.

[0107] The transaction platform will feed back the e-voucher return result to the gateway, and the gateway will then feed back the e-voucher return result message to the channel platform.

[0108] The trading platform, channel platform and commodity providing platform realize the return of electronic vouchers converted from trading commodities through electronic voucher return request messages and electronic voucher return result messages, that is, the return of trading commodities is realized, so that no matter whether the trading commodities are physical commodities or virtual commodities, the return of trading commodities can be realized through a trading system.

[0109] In some embodiments, a two-tier data architecture can be constructed for the channel platform and the product providing platform, and the two-tier data architecture includes a product provider database and a channel database. The first product association information of the product providing platform is stored in the product provider database. The first product association information of the product providing platform includes the association information of the transaction products that the product providing platform can provide. The first product association information may include the product provider's salable product information, stock keeping unit (SKU) basic information, standard product unit (SPU) basic information and SPU detailed information. For example, the first product association information may include but is not limited to the product provider's product identifier of the transaction product, the product provider's inventory of the transaction product, the product provider's unit price of the transaction product, etc. The second product association information of the channel platform is stored in the channel database. The second product association information of the channel platform includes the association information of the transaction products that the channel platform can provide. The second product association information may include the channel party's shelf product information, the product provider's salable product information, SKU basic information, SPU basic information and SPU detailed information. For example, the second commodity-related information may include, but is not limited to, the channel commodity identifier of the transaction commodity, the channel inventory of the transaction commodity, the channel unit price of the transaction commodity, etc. The second commodity-related information is obtained based on the first commodity-related information obtained from the commodity providing platform through differentiated processing, so that the channel platform can perform differentiated management of the commodity. For example, the channel unit price of the same commodity in the channel database of the channel platform of different channel parties may be different. Figure 7 is a schematic diagram of an example of a two-layer data architecture provided in an embodiment of the present application. As shown in Figure 7, the two-layer data architecture involves three channel parties and three commodity providers. The channel platforms of the three channel parties are channel platform 1, channel platform 2, and channel platform 3, respectively. Channel platform 1 corresponds to channel database 1, channel platform 2 corresponds to channel database 2, and channel platform 3 corresponds to channel database 3. The commodity providing platforms of the three commodity providers are commodity providing platform 1, commodity providing platform 2, and commodity providing platform 3, respectively. Commodity providing platform 1, commodity providing platform 2, and commodity providing platform 3 all correspond to commodity provider database 1. Channel database 1, channel database 2, and channel database 3 can have data interaction with commodity provider database 1, so that the channel database can obtain data from the commodity provider database and perform differentiated processing.

[0110] A second aspect of the present application provides an electronic transaction method that can be applied to a commodity provision platform, that is, the electronic transaction method can be executed by the commodity provision platform. Figure 8 is a flowchart of the electronic transaction method provided by an embodiment of the second aspect of the present application. As shown in Figure 8, the electronic transaction method may include steps S301 to S303.

[0111] In step S301, a second electronic voucher request message sent by a transaction platform is received.

[0112] The second e-voucher request message is received by the transaction platform based on the first e-voucher request message sent by the channel platform via the gateway. The first e-voucher request message includes the channel identifier, the product identifier of the transaction item, the transaction type, the channel product identifier of the transaction item, and the transaction quantity of the transaction item. The transaction item may include a physical item and / or a virtual item. The second e-voucher request message includes the product provider identifier, the product provider identifier of the transaction item, the transaction type, and the transaction quantity of the transaction item.

[0113] In step S302, a first electronic voucher result message is generated according to the second electronic voucher request message.

[0114] The first electronic voucher result message includes the electronic voucher converted from the transaction commodity and the electronic voucher serial number.

[0115] In step S303, the first electronic voucher result message is fed back to the transaction platform, so that the transaction platform generates a second electronic voucher result message according to the first electronic voucher result message and feeds back the second electronic voucher result message to the channel platform through the gateway.

[0116] The second electronic voucher result message includes the electronic voucher converted from the transaction commodity, the electronic voucher serial number, the channel identifier, and the channel commodity identifier of the transaction commodity.

[0117] The specific contents of the above steps S301 to S303 can be found in the relevant descriptions in the above embodiments, which will not be repeated here.

[0118] In an embodiment of the present application, the transaction platform receives a first electronic voucher request message sent by the channel platform through the gateway, and generates a second electronic voucher request message based on the information in the first electronic voucher request message. The commodity providing platform receives the second electronic voucher request message sent by the transaction platform, and converts the transaction commodities into electronic vouchers based on the information related to the transaction commodities in the second electronic voucher request message, and feeds back a first electronic voucher result message including the electronic vouchers converted from the transaction commodities to the transaction platform. The transaction platform can generate a second electronic voucher result message including the electronic vouchers converted from the transaction commodities based on the first electronic voucher result message, which is sent to the channel platform. In this electronic transaction process, regardless of whether the transaction commodities are physical commodities or virtual commodities, they are all uniformly converted into electronic vouchers. The information flow of transaction commodities is realized through the form of electronic vouchers. There is no need to establish separate transaction systems for physical commodities and virtual commodities. Only a transaction system for electronic vouchers needs to be established to realize the transaction of physical commodities and virtual commodities, which simplifies the architecture of commodity transactions and reduces the construction cost and operation cost of the transaction system.

[0119] In some embodiments, when the trading platform receives the first e-voucher request message, the amount of the transaction indicated by the first e-voucher request message in the funds pre-deposited in the first escrow account channel platform is locked. When the trading platform receives the first e-voucher result message, the amount of the transaction indicated by the first e-voucher request message in the locked first escrow account is deducted.

[0120] In some embodiments, the trading platform has a product order, which is generated based on the first electronic voucher request message. When the trading platform receives the first electronic voucher result message, the status of the product order is updated to indicate that the electronic voucher is successfully issued.

[0121] In some embodiments, when the commodity providing platform receives a second electronic voucher request message sent by the transaction platform, the commodity providing platform may generate an electronic voucher order for the electronic voucher converted from the transaction commodity based on the second electronic voucher request message; when the first electronic voucher result message is generated and the electronic voucher converted from the transaction commodity is a non-direct charge electronic voucher, the commodity providing platform updates the status of the electronic voucher order, and the updated status of the electronic voucher order indicates that the electronic voucher is successfully issued; when the first electronic voucher result message is generated and the electronic voucher converted from the transaction commodity is a direct charge electronic voucher, the commodity providing platform updates the status of the electronic voucher order, and the updated status of the electronic voucher order indicates that the electronic voucher is successfully redeemed.

[0122] In some embodiments, in a direct sales model, i.e., when the trading platform receives a user's order request through the channel platform, the funds in the first escrow account are transferred from the user's account. In a consignment sales model, i.e., when the channel platform receives a user's order request but the trading platform does not receive the user's order request, the funds in the first escrow account are transferred from the channel platform's account.

[0123] In some embodiments, the commodity providing platform interacts with the transaction platform to enable the cancellation of electronic vouchers converted from traded commodities. FIG9 is a flow chart of an electronic transaction method provided in another embodiment of the second aspect of this application. FIG9 differs from FIG8 in that the electronic transaction method shown in FIG9 may further include steps S304 and S305.

[0124] In step S304, when the electronic voucher indicated by the first electronic voucher result message meets the cancellation condition, the electronic voucher converted from the transaction commodity is cancelled.

[0125] In step S305, the first electronic voucher cancellation message is sent to the transaction platform, so that the transaction platform generates a second electronic voucher cancellation message based on the first electronic voucher cancellation message and sends it to the channel platform through the gateway.

[0126] The first electronic voucher redemption message includes the product provider identifier, the transaction type, the product provider identifier of the transaction product, and the electronic voucher converted from the transaction product. The second electronic voucher redemption message includes the channel identifier, the product identifier of the transaction product, the transaction type, the electronic voucher serial number corresponding to the transaction product, and the channel product identifier of the transaction product.

[0127] The specific contents of the above steps S304 and S305 can be found in the relevant descriptions in the above embodiments, which will not be repeated here.

[0128] In some embodiments, when the electronic voucher corresponding to the transaction product is redeemed, the product providing platform may update the status of the electronic voucher order, and the updated electronic voucher order status indicates that the electronic voucher redemption is successful.

[0129] In some embodiments, the commodity providing platform interacts with the transaction platform to enable the return of electronic vouchers converted from traded commodities. Figure 10 is a flow chart of an electronic transaction method provided in another embodiment of the second aspect of this application. The difference between Figure 10 and Figure 8 is that the electronic transaction method shown in Figure 10 can also include steps S306 to S308.

[0130] In step S306, an electronic voucher return request message sent by the transaction platform is received.

[0131] The e-voucher return request message is sent by the channel platform to the trading platform through the gateway. The e-voucher return request message includes the product order.

[0132] In step S307, an electronic voucher return result message is generated according to the electronic voucher return request message.

[0133] The electronic voucher return result message includes processing result information, and the processing result information includes return success information, returned voucher pending refund information or return failure information.

[0134] In step S308, the electronic voucher return result message is fed back to the transaction platform, so that the transaction platform feeds back the electronic voucher return result message to the channel platform through the gateway.

[0135] The specific contents of the above steps S306 to S308 can be found in the relevant descriptions in the above embodiments, which will not be repeated here.

[0136] In some examples, the trading platform has an e-voucher return order, which is generated by the trading platform based on the e-voucher return request message. If the processing result information includes a successful return, the updated status of the e-voucher return order indicates a successful return. If the processing result information includes a returned voucher pending refund, the updated status of the e-voucher return order indicates a returned voucher pending refund. If the processing result information includes a failed return, the updated status of the e-voucher return order indicates a failed return.

[0137] In some examples, if the processing result information includes a successful return, the updated product order status indicates a successful cancellation. If the processing result information includes a returned coupon pending refund, the updated product order status indicates a canceled pending refund. If the processing result information includes a failed return, the updated product order status indicates a successful electronic voucher issuance.

[0138] In some examples, after the product provider platform generates an e-voucher return result message based on the e-voucher return request message, the product provider platform may also update the status of the e-voucher order corresponding to the e-voucher return result message. If the processing result information includes a successful return, the updated e-voucher order status indicates a successful return. If the processing result information includes a returned voucher pending refund, the updated e-voucher order status indicates a returned voucher pending refund. If the processing result information includes a failed return, the updated e-voucher order status indicates a failed return.

[0139] In some examples, if the trading platform receives an e-voucher return request message, the amount of the transaction indicated by the product order in the second escrow account, which is pre-deposited with the product provider, is locked. If the trading platform receives an e-voucher return result message, and the processing result information includes a return success message, the amount of the transaction indicated by the product order locked in the second escrow account is deducted. If the trading platform receives an e-voucher return result message, and the processing result information includes a return failure message, the amount of the transaction indicated by the product order in the second escrow account is unlocked.

[0140] In some embodiments, the first product association information of the product providing platform is stored in the product provider database. The second product association information of the channel platform is stored in the channel database. The second product association information is obtained based on the first product association information obtained from the product providing platform through differentiation processing.

[0141] For ease of understanding, the electronic voucher issuance process and electronic voucher redemption process in the above embodiment are described here using an example. Figure 11 is a flowchart of an example of the electronic voucher issuance process and electronic voucher redemption process provided in an embodiment of the present application. As shown in Figure 11, the electronic voucher issuance process and electronic voucher redemption process include steps c1 to c16.

[0142] In step c1, the channel platform sends a first e-voucher request message to the universal gateway.

[0143] In step c2, the universal gateway verifies the first e-voucher request message.

[0144] In step c3, if the verification is successful, the universal gateway sends a first electronic voucher request message to the content gateway.

[0145] In step c4, the content gateway verifies whether the channel platform has the right to access the transaction platform.

[0146] In step c5, if the verification is successful, the content gateway sends a first electronic voucher request message to the transaction platform.

[0147] In step c6, the transaction platform generates a product order according to the first electronic voucher request message.

[0148] In step c7, the transaction platform sends a second electronic voucher request message to the commodity providing platform based on the first electronic voucher request message.

[0149] In step c8, the commodity providing platform generates an electronic voucher according to the second electronic voucher request message.

[0150] In step c9, the commodity providing platform sends a first electronic voucher result message to the transaction platform.

[0151] In step c10, the transaction platform sends a second electronic voucher result message to the content gateway based on the first electronic voucher result message.

[0152] In step c11, the content gateway sends a second e-voucher result message to the channel platform.

[0153] In step c12, the commodity providing platform redeems the electronic voucher.

[0154] In step c13, the commodity providing platform sends a first electronic voucher cancellation message to the transaction platform.

[0155] In step c14, the transaction platform updates the status of the product order according to the first electronic voucher redemption message.

[0156] In step c15, the transaction platform sends a second electronic voucher cancellation message to the content gateway based on the first electronic voucher cancellation message.

[0157] In step c16, the content gateway sends a second electronic voucher redemption message to the channel platform.

[0158] The specific contents of the above steps c1 to c16 can be found in the relevant descriptions in the above embodiments, which will not be repeated here.

[0159] For ease of understanding, the electronic voucher return process in the above embodiment is described here with an example. FIG12 is a flowchart of an example of the electronic voucher return process provided in an embodiment of the present application. As shown in FIG12 , the electronic voucher return process includes steps d1 to d9.

[0160] In step d1, the channel platform sends an e-voucher return request message to the content gateway.

[0161] In step d2, the content gateway sends an e-voucher return request message to the transaction platform.

[0162] In step d3, the trading platform verifies the electronic voucher return request message.

[0163] In step d4, after verification is passed, the transaction platform sends an electronic voucher return request message to the commodity providing platform.

[0164] In step d5, the commodity providing platform performs electronic voucher return processing according to the electronic voucher return request message.

[0165] In step d6, the commodity providing platform sends an electronic voucher return result message to the transaction platform.

[0166] In step d7, the commodity providing platform updates the status of the commodity order according to the electronic voucher return result message.

[0167] In step d8, the commodity providing platform sends an e-voucher return result message to the content gateway.

[0168] In step d9, the content gateway sends an e-voucher return result message to the channel platform.

[0169] The specific contents of the above steps d1 to d9 can be found in the relevant descriptions in the above embodiments, which will not be repeated here.

[0170] A third aspect of the present application provides an electronic transaction device that can be applied to a trading platform. FIG13 is a schematic diagram of the structure of an example electronic transaction device provided in an embodiment of the third aspect of the present application. As shown in FIG13 , the electronic transaction device 400 may include a first receiving module 401, a first processing module 402, and a first sending module 403.

[0171] The first receiving module 401 can be used to receive a first electronic voucher request message sent by the channel platform through the gateway. The first electronic voucher request message includes a channel identifier, a product identifier of the transaction commodity, a transaction type, a channel product identifier of the transaction commodity, and a transaction quantity of the transaction commodity. The transaction commodity includes physical goods and / or virtual goods.

[0172] The first processing module 402 may be configured to generate a second electronic voucher request message according to the first electronic voucher request message, wherein the second electronic voucher request message includes a product provider identifier, a product provider product identifier of a transaction product, a transaction type, and a transaction quantity of the transaction product.

[0173] The first sending module 403 may be configured to send a second electronic voucher request message to the commodity providing platform.

[0174] The first receiving module 401 can also be used to receive a first electronic voucher result message fed back by the commodity providing platform. The first electronic voucher result message is generated by the commodity providing platform according to the second electronic voucher request message. The first electronic voucher result message includes the electronic voucher converted from the transaction commodity and the electronic voucher serial number.

[0175] The first processing module 402 may also be configured to generate a second electronic voucher result message based on the first electronic voucher result message, the second electronic voucher result message including the electronic voucher converted from the transaction commodity, the electronic voucher serial number, the channel identifier, and the channel commodity identifier of the transaction commodity.

[0176] The first sending module 403 may also be configured to feed back a second electronic voucher result message to the channel platform via the gateway.

[0177] In an embodiment of the present application, the transaction platform receives a first electronic voucher request message sent by the channel platform through the gateway, and generates a second electronic voucher request message to be sent to the commodity providing platform based on the information in the first electronic voucher request message, so that the commodity providing platform can uniformly convert the transaction commodities into electronic vouchers through the information related to the transaction commodities in the second electronic voucher request message, and feedback a first electronic voucher result message including the electronic vouchers converted from the transaction commodities to the transaction platform. The transaction platform can generate a second electronic voucher result message including the electronic vouchers converted from the transaction commodities to be sent to the channel platform based on the first electronic voucher result message. In this electronic transaction process, regardless of whether the transaction commodities are physical commodities or virtual commodities, they are uniformly converted into electronic vouchers. The information flow of transaction commodities is realized through the form of electronic vouchers. There is no need to establish separate transaction systems for physical commodities and virtual commodities. Only a transaction system for electronic vouchers needs to be established to realize the transaction of physical commodities and virtual commodities, which simplifies the architecture of commodity transactions and reduces the construction cost and operation cost of the transaction system.

[0178] In some embodiments, the first processing module 402 can also be used to: after receiving the first electronic voucher request message sent by the channel platform through the gateway, according to the first electronic voucher request message, lock the transaction amount of the transaction indicated by the first electronic voucher request message in the funds pre-deposited in the first regulatory account channel platform.

[0179] The first processing module 402 may also be configured to: after receiving the electronic voucher result message fed back by the commodity providing platform, deduct the transaction amount of the locked transaction indicated by the first electronic voucher request message from the first supervisory account.

[0180] In some embodiments, the first processing module 402 may be further configured to generate a product order according to the first electronic voucher request message before receiving the first electronic voucher result message fed back by the product providing platform.

[0181] The first processing module 402 may also be configured to update the status of the product order corresponding to the first electronic voucher request message after receiving the first electronic voucher result message fed back by the product providing platform, wherein the updated product order status indicates that the electronic voucher is issued successfully.

[0182] In some embodiments, the product providing platform has an e-voucher order for an e-voucher converted from a transaction product. If the product providing platform generates a first e-voucher result message and the e-voucher converted from the transaction product is a non-direct recharge e-voucher, the status of the updated e-voucher order indicates successful e-voucher issuance. If the product providing platform generates a first e-voucher result message and the e-voucher converted from the transaction product is a direct recharge e-voucher, the status of the updated e-voucher order indicates successful e-voucher redemption.

[0183] In some embodiments, the first receiving module 401 can also be used to: when the commodity providing platform cancels the electronic voucher converted from the transaction commodity, receive the first electronic voucher cancellation message sent by the commodity providing platform, the first electronic voucher cancellation message includes the commodity provider identifier, transaction type, commodity provider commodity identifier of the transaction commodity, and the electronic voucher converted from the transaction commodity.

[0184] The first processing module 402 can also be used to: generate a second electronic voucher cancellation message based on the first electronic voucher cancellation message, the second electronic voucher cancellation message including the channel identifier, the product identifier of the transaction product, the transaction type, the electronic voucher serial number corresponding to the transaction product, and the channel product identifier of the transaction product.

[0185] The first sending module 403 may also be used to send a second electronic voucher redemption message to the channel platform via the gateway.

[0186] In some embodiments, when the commodity providing platform cancels the electronic voucher converted from the transaction commodity, the status of the updated electronic voucher order indicates that the electronic voucher cancellation is successful.

[0187] In some embodiments, the first receiving module 401 may also be used to: receive an e-voucher return request message sent by the channel platform through a gateway, where the e-voucher return request message includes a product order.

[0188] The first sending module 403 may also be used to send an electronic voucher return request message to the commodity providing platform.

[0189] The first receiving module 401 can also be used to: receive the electronic voucher return result message fed back by the product providing platform, the electronic voucher return result message includes processing result information, and the processing result information includes return success information, returned voucher pending refund information or return failure information.

[0190] The first sending module 403 can also be used to: feedback the e-voucher return result message to the channel platform through the gateway.

[0191] In some embodiments, the first processing module 402 may also be used to: after receiving the electronic voucher return request message sent by the channel platform through the gateway, generate an electronic voucher return order according to the electronic voucher return request message.

[0192] The first processing module 402 may also be configured to, after receiving the electronic voucher return result message from the product providing platform, update the status of the electronic voucher return order based on the processing result information in the electronic voucher return result message. If the processing result information includes a successful return, the updated status of the electronic voucher return order indicates a successful return; if the processing result information includes a returned voucher pending refund, the updated status of the electronic voucher return order indicates a returned voucher pending refund; and if the processing result information includes a failed return, the updated status of the electronic voucher return order indicates a failed return.

[0193] In some embodiments, the first processing module 402 may also be configured to: after receiving the electronic voucher return result message from the product providing platform, update the status of the product order corresponding to the sub-voucher return result message. Where the processing result information includes a successful return message, the updated product order status indicates a successful cancellation; where the processing result information includes a returned voucher pending refund message, the updated product order status indicates a canceled pending refund; and where the processing result information includes a failed return message, the updated product order status indicates a successful electronic voucher issuance.

[0194] In some embodiments, the product providing platform has an e-voucher order for an e-voucher converted into a transaction product. If the processing result information includes a return success message, the updated status of the e-voucher order indicates a successful return; if the processing result information includes a return pending refund message, the updated status of the e-voucher order indicates a return pending refund; if the processing result information includes a return failure message, the updated status of the product order indicates a return failure.

[0195] In some embodiments, the first processing module 402 can also be used to: after receiving the electronic voucher return request message sent by the channel platform through the gateway, according to the electronic voucher return request message, lock the transaction amount indicated by the product order in the funds pre-deposited in the second regulatory account product providing platform.

[0196] The first processing module 402 can also be used to: after receiving the electronic voucher return result message fed back by the product providing platform, if the processing result information includes a successful return information, deduct the transaction amount indicated by the locked product order from the second supervision account; if the processing result information includes a failed return information, unlock the transaction amount indicated by the product order in the second supervision account.

[0197] In some embodiments, if the trading platform receives an order request from a user through the channel platform, the funds in the first escrow account are transferred from the user's account. If the channel platform receives an order request from a user but the trading platform does not receive an order request from the user, the funds in the first escrow account are transferred from the channel platform's account.

[0198] In some embodiments, the first product association information of the product providing platform is stored in the product provider database, and the second product association information of the channel platform is stored in the channel database. The second product association information is obtained based on the first product association information obtained from the product providing platform through differentiation processing.

[0199] A fourth aspect of the present application provides an electronic transaction device for use on a commodity provision platform. FIG14 is a schematic diagram of the structure of an electronic transaction device provided in an embodiment of the fourth aspect of the present application. As shown in FIG14 , the electronic transaction device 500 may include a second receiving module 501 , a second processing module 502 , and a second sending module 503 .

[0200] The second receiving module 501 may be configured to receive a second electronic voucher request message sent by the transaction platform.

[0201] The second e-voucher request message is received by the transaction platform based on the first e-voucher request message sent by the channel platform via the gateway. The first e-voucher request message includes the channel identifier, the product identifier of the transaction item, the transaction type, the channel product identifier of the transaction item, and the transaction quantity of the transaction item. The transaction item may include a physical item and / or a virtual item. The second e-voucher request message includes the product provider identifier, the product provider identifier of the transaction item, the transaction type, and the transaction quantity of the transaction item.

[0202] The second processing module 502 may be configured to generate a first electronic voucher result message according to the second electronic voucher request message.

[0203] The first electronic voucher result message includes the electronic voucher converted from the transaction commodity and the electronic voucher serial number.

[0204] The second sending module 503 can be used to feed back the first electronic voucher result message to the transaction platform, so that the transaction platform generates a second electronic voucher result message according to the first electronic voucher result message and feeds back the second electronic voucher result message to the channel platform through the gateway.

[0205] The second electronic voucher result message includes the electronic voucher converted from the transaction commodity, the electronic voucher serial number, the channel identifier, and the channel commodity identifier of the transaction commodity.

[0206] In an embodiment of the present application, the transaction platform receives a first electronic voucher request message sent by the channel platform through the gateway, and generates a second electronic voucher request message based on the information in the first electronic voucher request message. The commodity providing platform receives the second electronic voucher request message sent by the transaction platform, and converts the transaction commodities into electronic vouchers based on the information related to the transaction commodities in the second electronic voucher request message, and feeds back a first electronic voucher result message including the electronic vouchers converted from the transaction commodities to the transaction platform. The transaction platform can generate a second electronic voucher result message including the electronic vouchers converted from the transaction commodities based on the first electronic voucher result message, which is sent to the channel platform. In this electronic transaction process, regardless of whether the transaction commodities are physical commodities or virtual commodities, they are all uniformly converted into electronic vouchers. The information flow of transaction commodities is realized through the form of electronic vouchers. There is no need to establish separate transaction systems for physical commodities and virtual commodities. Only a transaction system for electronic vouchers needs to be established to realize the transaction of physical commodities and virtual commodities, which simplifies the architecture of commodity transactions and reduces the construction cost and operation cost of the transaction system.

[0207] In some embodiments, when the trading platform receives the first e-voucher request message, the amount of the transaction indicated by the first e-voucher request message in the funds pre-deposited in the first escrow account channel platform is locked. When the trading platform receives the first e-voucher result message, the amount of the transaction indicated by the first e-voucher request message in the locked first escrow account is deducted.

[0208] In some examples, if the trading platform receives an order request from a user through the channel platform, the funds in the first escrow account are transferred from the user's account. If the channel platform receives an order request from a user but the trading platform does not receive an order request from the user, the funds in the first escrow account are transferred from the channel platform's account.

[0209] In some embodiments, the trading platform has a product order, which is generated based on the first electronic voucher request message. When the trading platform receives the first electronic voucher result message, the status of the product order is updated to indicate that the electronic voucher is successfully issued.

[0210] In some embodiments, the second processing module 502 can also be used to: generate an electronic voucher order for the electronic voucher converted from the transaction commodity according to the second electronic voucher request message; update the status of the electronic voucher order when the first electronic voucher result message is generated and the electronic voucher converted from the transaction commodity is a non-direct charge electronic voucher, and the status of the updated electronic voucher order indicates that the electronic voucher is successfully issued; update the status of the electronic voucher order when the first electronic voucher result message is generated and the electronic voucher converted from the transaction commodity is a direct charge electronic voucher, and the status of the updated electronic voucher order indicates that the electronic voucher is successfully redeemed.

[0211] In some embodiments, the second receiving module 501 can also be used to: receive an electronic voucher return request message sent by the transaction platform, the electronic voucher return request message is sent by the channel platform to the transaction platform through the gateway, and the electronic voucher return request message includes a product order.

[0212] The second processing module 502 can also be used to: generate an electronic voucher return result message according to the electronic voucher return request message, the electronic voucher return result message includes processing result information, and the processing result information includes return success information, returned voucher pending refund information or return failure information.

[0213] The second sending module 503 may also be used to: feed back the electronic voucher return result message to the transaction platform, so that the transaction platform feeds back the electronic voucher return result message to the channel platform through the gateway.

[0214] In some embodiments, the second processing module 502 may also be used to update the status of the electronic voucher order when the electronic voucher corresponding to the transaction product is redeemed, and the updated electronic voucher order status indicates that the electronic voucher redemption is successful.

[0215] In some embodiments, the trading platform includes an e-voucher return order, which is generated by the trading platform based on an e-voucher return request message. If the processing result information includes a successful return, the updated status of the e-voucher return order indicates a successful return; if the processing result information includes a returned voucher pending refund, the updated status of the e-voucher return order indicates a returned voucher pending refund; if the processing result information includes a failed return, the updated status of the e-voucher return order indicates a failed return.

[0216] In some embodiments, if the processing result information includes a successful return, the updated merchandise order status indicates a successful cancellation. If the processing result information includes a returned coupon pending refund, the updated merchandise order status indicates a canceled pending refund. If the processing result information includes a failed return, the updated merchandise order status indicates a successful electronic voucher issuance.

[0217] In some embodiments, the second processing module 502 may be further configured to: after generating an electronic voucher return result message based on the electronic voucher return request message, update the status of the electronic voucher order corresponding to the electronic voucher return result message. Wherein, if the processing result information includes a return success message, the updated electronic voucher order status indicates a successful return; if the processing result information includes a returned voucher pending refund message, the updated electronic voucher order status indicates a returned voucher pending refund; and if the processing result information includes a return failure message, the updated product order status indicates a returned failure.

[0218] In some embodiments, when the trading platform receives an e-voucher return request message, the amount of the transaction indicated by the product order in the funds pre-deposited by the product provider platform in the second escrow account is locked. When the trading platform receives an e-voucher return result message, if the processing result information includes a return success message, the amount of the transaction indicated by the product order locked in the second escrow account is deducted; when the trading platform receives an e-voucher return result message, if the processing result information includes a return failure message, the lock on the amount of the transaction indicated by the product order in the second escrow account is released.

[0219] In some embodiments, the first product association information of the product providing platform is stored in the product provider database. The second product association information of the channel platform is stored in the channel database. The second product association information is obtained based on the first product association information obtained from the product providing platform through differentiation processing.

[0220] The fifth aspect of the present application further provides an electronic device. Figure 15 is a schematic diagram of the structure of an electronic device provided in an embodiment of the fifth aspect of the present application. As shown in Figure 15, the electronic device 600 includes a memory 601, a processor 602, and a computer program stored in the memory 601 and executable on the processor 602.

[0221] In some examples, the processor 602 may include a central processing unit (CPU), or an application-specific integrated circuit (ASIC), or may be configured to implement one or more integrated circuits of the embodiments of the present application.

[0222] The memory 601 may include a read-only memory (ROM), a random access memory (RAM), a magnetic disk storage medium device, an optical storage medium device, a flash memory device, an electrical, optical or other physical / tangible memory storage device. Therefore, generally, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software including computer-executable instructions, and when the software is executed (e.g., by one or more processors), it can be operated to perform the operations described with reference to the electronic transaction method according to the first aspect of the embodiment of the present application or the operations described with reference to the electronic transaction method according to the second aspect. If it is operated to perform the operations described with reference to the electronic transaction method according to the first aspect of the embodiment of the present application, the electronic device is applied to the trading platform. If it is operated to perform the operations described with reference to the electronic transaction method according to the second aspect of the embodiment of the present application, the electronic device is applied to the commodity providing platform.

[0223] The processor 602 runs a computer program corresponding to the executable program code by reading the executable program code stored in the memory 601, so as to implement the electronic transaction method in the first embodiment or the electronic transaction method in the second embodiment.

[0224] In some examples, the electronic device 600 may further include a communication interface 603 and a bus 604. As shown in FIG15 , the memory 601, the processor 602, and the communication interface 603 are connected via the bus 604 and communicate with each other.

[0225] The communication interface 603 is mainly used to implement communication between the modules, devices, units and / or equipment in the embodiment of the present application. Input devices and / or output devices can also be connected through the communication interface 603.

[0226] The bus 604 includes hardware, software, or both that couples the components of the electronic device 600 to each other. By way of example, and not limitation, the bus 604 may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a HyperTransport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an InfiniBand interconnect, a Low Pin Count (LPC) bus, a memory bus, a Micro Channel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-E) bus, a Serial Advanced Technology Attachment (SATA) bus, a Video Electronics Standards Association Local Bus (VLB) bus, or other suitable buses, or a combination of two or more of the above. Where appropriate, the bus 604 may include one or more buses. Although embodiments herein describe and illustrate a particular bus, this application contemplates any suitable bus or interconnect.

[0227] In a sixth aspect, the present application provides an electronic transaction system, which may include a transaction platform and a commodity provision platform. The transaction platform may be used to execute the electronic transaction method described in the first embodiment. For details, please refer to the relevant descriptions in the above embodiments and will not be repeated here. The commodity provision platform may be used to execute the electronic transaction method described in the second embodiment. For details, please refer to the relevant descriptions in the above embodiments and will not be repeated here.

[0228] In some embodiments, the electronic transaction system may further include a channel platform. The specific content of the channel platform can be found in the relevant descriptions in the above embodiments and will not be repeated here.

[0229] In some embodiments, the electronic transaction system may further include a gateway, which may include a general gateway and a content gateway. For details, please refer to the relevant descriptions in the above embodiments and will not be repeated here.

[0230] In a seventh aspect, the present application provides a computer-readable storage medium having computer program instructions stored thereon. When the computer program instructions are executed by a processor, the electronic transaction method in the embodiment of the first aspect or the electronic transaction method in the embodiment of the second aspect can be implemented, and the same technical effects can be achieved. To avoid repetition, they are not described here. The computer-readable storage medium may include a non-transitory computer-readable storage medium, such as a read-only memory (ROM), a random access memory (RAM), a magnetic disk, or an optical disk, etc., which is not limited here.

[0231] An embodiment of the present application provides a computer program product. When the instructions in the computer program product are executed by a processor of an electronic device, the electronic device can execute the electronic transaction method in the above-mentioned first aspect embodiment or the electronic transaction method in the second aspect embodiment, and can achieve the same technical effect. To avoid repetition, it will not be repeated here.

[0232] It should be understood that the various embodiments in this specification are described in a progressive manner, and the same or similar parts between the various embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. For device embodiments, equipment embodiments, computer-readable storage medium embodiments, system embodiments, and computer program product embodiments, the relevant parts can be referred to the description section of the method embodiment. This application is not limited to the specific steps and structures described above and shown in the figures. Those skilled in the art can make various changes, modifications and additions, or change the order of the steps after understanding the spirit of this application. In addition, for the sake of brevity, a detailed description of known method technologies is omitted here.

[0233] Aspects of the present application have been described above with reference to the flowcharts and / or block diagrams of the methods, devices (systems) and computer program products according to the embodiments of the present application. It should be understood that each box in the flowchart and / or block diagram and the combination of each box in the flowchart and / or block diagram can be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer or other programmable data processing device to produce a machine so that these instructions executed via the processor of the computer or other programmable data processing device enable the implementation of the function / action specified in one or more boxes of the flowchart and / or block diagram. This processor can be, but is not limited to, a general-purpose processor, a special-purpose processor, a special application processor or a field programmable logic circuit. It is also understood that each box in the block diagram and / or the flowchart and the combination of the boxes in the block diagram and / or the flowchart can also be implemented by the dedicated hardware that performs the specified function or action, or can be implemented by the combination of dedicated hardware and computer instructions.

[0234] Those skilled in the art should understand that the above embodiments are illustrative rather than restrictive. Different technical features appearing in different embodiments can be combined to achieve beneficial effects. Based on a study of the drawings, the specification and the claims, those skilled in the art should be able to understand and implement other variations of the disclosed embodiments. In the claims, the term "comprising" does not exclude other devices or steps; the quantifier "one" does not exclude a plurality; the terms "first" and "second" are used to identify names rather than to indicate any specific order. Any figure marks in the claims should not be understood as limiting the scope of protection. The functions of multiple parts appearing in the claims can be implemented by a separate hardware or software module. The fact that certain technical features appear in different dependent claims does not mean that these technical features cannot be combined to achieve beneficial effects.

Claims

1. An electronic trading method, applied to a trading platform, comprising: Receiving a first electronic voucher request message sent by the channel platform through the gateway, the first electronic voucher request message including a channel identifier, a commodity identifier of a transaction commodity, a transaction type, a channel commodity identifier of the transaction commodity, and a transaction quantity of the transaction commodity, where the transaction commodity includes a physical commodity and / or a virtual commodity; According to the first electronic voucher request message, a second electronic voucher request message is generated and sent to the commodity providing platform, wherein the second electronic voucher request message includes a commodity provider identifier, a commodity provider commodity identifier of the transaction commodity, a transaction type, and a transaction quantity of the transaction commodity; Receive the first electronic voucher result message fed back by the commodity providing platform, generate a second electronic voucher result message based on the first electronic voucher result message, and feed back the second electronic voucher result message to the channel platform through the gateway. The first electronic voucher result message is generated by the commodity providing platform according to the second electronic voucher request message. The first electronic voucher result message includes the electronic voucher and the electronic voucher serial number converted from the transaction commodity. The second electronic voucher result message includes the electronic voucher, the electronic voucher serial number, the channel identifier and the channel commodity identifier of the transaction commodity.

2. The method according to claim 1, after feeding back the electronic voucher result message to the channel platform through the gateway, further comprises: In the case where the commodity providing platform cancels the electronic voucher converted from the transaction commodity, receiving a first electronic voucher cancellation message sent by the commodity providing platform, wherein the first electronic voucher cancellation message includes a commodity provider identifier, a transaction type, a commodity provider commodity identifier of the transaction commodity, and an electronic voucher converted from the transaction commodity; Based on the first electronic voucher verification message, a second electronic voucher verification message is generated and sent to the channel platform through the gateway, wherein the second electronic voucher verification message includes a channel identifier, a commodity identifier of the transaction commodity, a transaction type, an electronic voucher serial number corresponding to the transaction commodity, and a channel commodity identifier of the transaction commodity.

3. The method according to claim 1, After the receiving channel platform sends the first electronic voucher request message through the gateway, the method further includes: According to the first electronic voucher request message, locking a transaction amount of the transaction indicated by the first electronic voucher request message in the funds pre-deposited in the channel platform in the first regulatory account; After receiving the electronic voucher result message fed back by the commodity providing platform, the method further includes: The transaction amount of the transaction indicated by the locked first electronic voucher request message is deducted from the first escrow account.

4. The method according to claim 1, Before receiving the first electronic voucher result message fed back by the commodity providing platform, the method further includes: generating a product order according to the first electronic voucher request message; After receiving the first electronic voucher result message fed back by the commodity providing platform, the method further includes: The status of the commodity order corresponding to the first electronic voucher request message is updated, and the updated status of the commodity order indicates that the electronic voucher is issued successfully.

5. The method according to claim 2, wherein: The commodity providing platform has an electronic voucher order for electronic vouchers converted from trading commodities; When the commodity providing platform generates the first electronic voucher result message and the electronic voucher converted from the transaction commodity is a non-direct charge electronic voucher, the updated status of the electronic voucher order indicates that the electronic voucher is issued successfully; When the commodity providing platform generates the first electronic voucher result message and the electronic voucher converted from the transaction commodity is a direct recharge electronic voucher, the updated status of the electronic voucher order indicates that the electronic voucher is successfully redeemed; In the case where the commodity providing platform cancels the electronic voucher converted from the transaction commodity, the updated status of the electronic voucher order indicates that the electronic voucher is successfully cancelled.

6. The method according to claim 1, further comprising: Receiving an electronic voucher return request message sent by the channel platform through a gateway, wherein the electronic voucher return request message includes a commodity order; Sending the electronic voucher return request message to the commodity providing platform; Receive the electronic voucher return result message fed back by the commodity providing platform, wherein the electronic voucher return result message includes processing result information, and the processing result information includes return success information, return completed information, Information about coupons awaiting refund or failed refund; The electronic voucher return result message is fed back to the channel platform through the gateway.

7. The method according to claim 6, after receiving the electronic voucher return request message sent by the channel platform through the gateway, further comprising: Generate an electronic voucher return order according to the electronic voucher return request message; After receiving the electronic voucher return result message fed back by the commodity providing platform, the method further includes: According to the processing result information in the electronic voucher return result message, the status of the electronic voucher return order is updated, Wherein, when the processing result information includes return success information, the updated status of the electronic voucher return order indicates that the return is successful. In the case where the processing result information includes information about returned coupons awaiting refund, the updated status of the electronic coupon return order indicates that the coupons have been returned and are awaiting refund. In the case where the processing result information includes return failure information, the updated status of the electronic voucher return order indicates a return failure.

8. The method according to claim 6, after receiving the electronic voucher return result message fed back by the commodity providing platform, further comprising: Update the status of the commodity order corresponding to the sub-voucher return result message, Wherein, when the processing result information includes return success information, the updated status of the commodity order indicates successful cancellation. In the case where the processing result information includes information about returned coupons and pending refund, the updated status of the commodity order indicates that the order has been cancelled and pending refund. In the case where the processing result information includes return failure information, the updated status of the commodity order indicates that the electronic voucher is issued successfully.

9. The method according to claim 6, wherein: The commodity providing platform has an electronic voucher order for electronic vouchers converted into transaction commodities; In the case where the processing result information includes return success information, the updated status of the electronic voucher order indicates a return success. In the case where the processing result information includes information on returned tickets to be refunded, the updated The status of the e-voucher order indicates that the voucher has been returned and is awaiting refund. In the case where the processing result information includes return failure information, the updated status of the commodity order indicates return failure.

10. The method according to claim 6, After receiving the electronic voucher return request message sent by the channel platform through the gateway, the method further includes: According to the electronic voucher return request message, lock the transaction amount indicated by the commodity order in the funds pre-deposited in the commodity providing platform in the second supervision account; After receiving the electronic voucher return result message fed back by the commodity providing platform, the method further includes: In the case where the processing result information includes return success information, deducting the transaction amount indicated by the locked commodity order from the second escrow account; In a case where the processing result information includes return failure information, the funds of the transaction amount indicated by the commodity order are unlocked in the second escrow account.

11. The method according to claim 1, wherein: The first commodity association information of the commodity providing platform is stored in a commodity provider database, and the second commodity association information of the channel platform is stored in a channel database, wherein the second commodity association information is obtained based on the first commodity association information obtained from the commodity providing platform through differentiation processing.

12. The method according to claim 3, wherein: When the trading platform receives an order request from a user through the channel platform, the funds in the first escrow account are transferred from the user's account; When the channel platform receives an order request from a user and the transaction platform does not receive an order request from a user, the funds in the first escrow account are transferred from the account of the channel platform.

13. An electronic transaction method, applied to a commodity providing platform, comprising: Receive a second electronic voucher request message sent by the transaction platform, the second electronic voucher request message is obtained by the transaction platform according to a first electronic voucher request message sent by the channel platform through the gateway, the first electronic voucher request message includes a channel identifier, a commodity identifier of the transaction commodity, and a transaction type. type, channel commodity identifier of the transaction commodity and transaction quantity of the transaction commodity, the transaction commodity includes a physical commodity and / or a virtual commodity, and the second electronic voucher request message includes a commodity provider identifier, a commodity provider commodity identifier of the transaction commodity, a transaction type and a transaction quantity of the transaction commodity; Generate a first electronic voucher result message according to the second electronic voucher request message, wherein the first electronic voucher result message includes the electronic voucher converted from the transaction commodity and the electronic voucher serial number; The first electronic voucher result message is fed back to the transaction platform so that the transaction platform generates a second electronic voucher result message based on the first electronic voucher result message and feeds back the second electronic voucher result message to the channel platform through the gateway, wherein the second electronic voucher result message includes the electronic voucher converted from the transaction commodity, the electronic voucher serial number, the channel identifier and the channel commodity identifier of the transaction commodity.

14. The method according to claim 13, after feeding back the first electronic voucher result message to the transaction platform, further comprising: If the electronic voucher indicated by the first electronic voucher result message meets the cancellation condition, canceling the electronic voucher converted from the transaction commodity; A first electronic voucher verification message is sent to the transaction platform so that the transaction platform generates a second electronic voucher verification message based on the first electronic voucher verification message and sends it to the channel platform through the gateway. The first electronic voucher verification message includes the product provider identifier, the transaction type, the product provider product identifier of the transaction product, and the electronic voucher converted from the transaction product. The second electronic voucher verification message includes the channel identifier, the product identifier of the transaction product, the transaction type, the electronic voucher serial number corresponding to the transaction product, and the channel product identifier of the transaction product.

15. The method according to claim 13, wherein: When the trading platform receives the first electronic voucher request message, the transaction amount of the transaction indicated by the first electronic voucher request message in the funds pre-deposited in the channel platform in the first supervision account is locked; When the transaction platform receives the first electronic voucher result message, the transaction amount of the transaction indicated by the first electronic voucher request message locked in the first regulatory account is deducted.

16. The method according to claim 13, wherein: The trading platform has a commodity order, and the commodity order is requested according to the first electronic voucher Message generation; When the transaction platform receives the first electronic voucher result message, the status of the commodity order is updated to indicate that the electronic voucher is issued successfully.

17. The method according to claim 14, after receiving the second electronic voucher request message sent by the transaction platform, further comprising: generating an electronic voucher order for electronic vouchers converted from transaction commodities according to the second electronic voucher request message; When the first electronic voucher result message is generated and the electronic voucher converted from the transaction commodity is a non-direct charge electronic voucher, the status of the electronic voucher order is updated, and the updated status of the electronic voucher order indicates that the electronic voucher is issued successfully; When the first electronic voucher result message is generated and the electronic voucher converted from the transaction commodity is a direct-charge electronic voucher, the status of the electronic voucher order is updated, and the updated status of the electronic voucher order indicates that the electronic voucher is successfully redeemed; When the electronic voucher corresponding to the transaction commodity is redeemed, the status of the electronic voucher order is updated, and the updated status of the electronic voucher order indicates that the electronic voucher is successfully redeemed.

18. The method according to claim 13, further comprising: Receiving an electronic voucher return request message sent by the transaction platform, wherein the electronic voucher return request message is sent by the channel platform to the transaction platform through a gateway, and the electronic voucher return request message includes a commodity order; Generate an electronic voucher return result message according to the electronic voucher return request message, wherein the electronic voucher return result message includes processing result information, and the processing result information includes return success information, returned voucher pending refund information, or return failure information; Feedback the electronic voucher return result message to the transaction platform, so that the transaction platform feeds back the electronic voucher return result message to the channel platform through the gateway.

19. The method according to claim 18, wherein: The trading platform has an electronic voucher return order, and the electronic voucher return order is generated by the trading platform according to the electronic voucher return request message; In the case where the processing result information includes return success information, the updated status of the electronic voucher return order indicates that the return is successful. In the case where the processing result information includes information about returned coupons awaiting refund, the updated status of the electronic coupon return order indicates that the coupons have been returned and are awaiting refund. In the case where the processing result information includes return failure information, the updated status of the electronic voucher return order indicates a return failure.

20. The method according to claim 18, wherein: In the case where the processing result information includes return success information, the updated status of the commodity order indicates successful cancellation. In the case where the processing result information includes information about returned coupons and pending refund, the updated status of the commodity order indicates that the order has been cancelled and pending refund. In the case where the processing result information includes return failure information, the updated status of the commodity order indicates that the electronic voucher is issued successfully.

21. The method according to claim 18, after generating an electronic voucher return result message according to the electronic voucher return request message, further comprising: Update the status of the electronic voucher order corresponding to the electronic voucher return result message, Wherein, in the case where the processing result information includes return success information, the updated status of the electronic voucher order indicates a return success. In the case where the processing result information includes information about returned coupons awaiting refund, the updated status of the electronic coupon order indicates that the coupons have been returned and are awaiting refund. In the case where the processing result information includes return failure information, the updated status of the commodity order indicates return failure.

22. The method according to claim 18, wherein: When the trading platform receives the electronic voucher return request message, the transaction amount indicated by the commodity order in the funds pre-deposited in the commodity providing platform in the second supervision account is locked; When the transaction platform receives the electronic voucher return result message, If the processing result information includes a return success message, the transaction amount indicated by the commodity order locked in the second supervision account is deducted. If the processing result information includes return failure information, the lock on the transaction amount indicated by the commodity order in the second escrow account is released.

23. The method according to claim 13, wherein: The first commodity association information of the commodity providing platform is stored in a commodity provider database, and the second commodity association information of the channel platform is stored in a channel database, wherein the second commodity association information is obtained based on the first commodity association information obtained from the commodity providing platform through differentiation processing.

24. The method according to claim 15, wherein: When the trading platform receives an order request from a user through the channel platform, the funds in the first escrow account are transferred from the user's account; When the channel platform receives an order request from a user and the transaction platform does not receive an order request from a user, the funds in the first escrow account are transferred from the account of the channel platform.

25. An electronic trading device, applied to a trading platform, comprising: A first receiving module is used to receive a first electronic voucher request message sent by the channel platform through the gateway, wherein the first electronic voucher request message includes a channel identifier, a commodity identifier of a transaction commodity, a transaction type, a channel commodity identifier of the transaction commodity, and a transaction quantity of the transaction commodity, wherein the transaction commodity includes a physical commodity and / or a virtual commodity; A first processing module, configured to generate a second electronic voucher request message according to the first electronic voucher request message, wherein the second electronic voucher request message includes a commodity provider identifier, a commodity provider commodity identifier of a transaction commodity, a transaction type, and a transaction quantity of the transaction commodity; A first sending module, used for sending the second electronic voucher request message to a commodity providing platform; The first receiving module is further used to receive a first electronic voucher result message fed back by the commodity providing platform, the first electronic voucher result message is generated by the commodity providing platform according to the second electronic voucher request message, and the first electronic voucher result message includes the electronic voucher converted from the transaction commodity and the electronic voucher serial number; The first processing module is further used to generate a second electronic voucher result message according to the first electronic voucher result message, wherein the second electronic voucher result message includes the electronic voucher converted from the transaction commodity, the electronic voucher serial number, the channel identifier and the channel commodity identifier of the transaction commodity; The first sending module is further configured to feed back the second electronic voucher result message to the channel platform via a gateway.

26. An electronic transaction device, applied to a commodity providing platform, comprising: A second receiving module is used to receive a second electronic voucher request message sent by the transaction platform, the second electronic voucher request message is obtained by the transaction platform according to the first electronic voucher request message sent by the channel platform through the gateway, the first electronic voucher request message includes a channel identifier, a commodity identifier of a transaction commodity, a transaction type, a channel commodity identifier of the transaction commodity, and a transaction quantity of the transaction commodity, the transaction commodity includes a physical commodity and / or a virtual commodity, and the second electronic voucher request message includes a commodity provider identifier, a commodity provider commodity identifier of the transaction commodity, a transaction type, and a transaction quantity of the transaction commodity; A second processing module, configured to generate a first electronic voucher result message according to the second electronic voucher request message, wherein the first electronic voucher result message includes the electronic voucher converted from the transaction commodity and the electronic voucher serial number; The second sending module is used to feed back the first electronic voucher result message to the transaction platform, so that the transaction platform generates a second electronic voucher result message according to the first electronic voucher result message and feeds back the second electronic voucher result message to the channel platform through the gateway, wherein the second electronic voucher result message includes the electronic voucher converted from the transaction commodity, the electronic voucher serial number, the channel identifier and the channel commodity identifier of the transaction commodity.

27. An electronic device comprising: a processor and a memory storing computer program instructions; When the processor executes the computer program instructions, the electronic transaction method according to any one of claims 1 to 24 is implemented.

28. An electronic trading system comprising: A trading platform for executing the electronic trading method according to any one of claims 1 to 12; A commodity providing platform, used for executing the electronic transaction method as claimed in any one of claims 13 to 24.

29. A computer-readable storage medium having computer program instructions stored thereon, wherein the computer program instructions, when executed by a processor, implement the electronic transaction method according to any one of claims 1 to 24.

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